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Loan Modification Attorneys Lawyers - New York, Connecticut, New Jersey
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An Overview

Loan Modification - New York, New Jersey & Connecticut

Since the mortgage crisis began, New York area homeowners have been inundated with advertisements to “Stop foreclosure now! 100% guarantee!”

Desperate homeowners are at risk for falling for these scams. If an offer sounds too good to be true, it probably is. Nobody can guarantee a successful loan modification. Even the strongest, best prepared applications may be denied by the bank.

Many loan mod companies in your state claim to be hiring attorneys to do the actual work. Know that in the states of New York, New Jersey and Connecticut, it is unlawful for a lawyer to pay referral fees to an outside consultant or split fees with them. Know who you are dealing with. Do your research. You can check with your state bar association to make sure the attorney is legitimate.

At the Fine Law Offices, we are available for a FREE consultation to answer your questions and determine what actions you can take to prevent the foreclosure of your home.

What is needed to apply for a loan modification?

The requirements for the loan modification application in the State of Connecticut tend to vary based on each particular lender. You can count on needing 2 years of federal tax returns, 6 months of bank statements, 2 months of documents proving your income such at paystubs, social security benefit letters, or other sources of income. Those who are self employed will also need a profit and loss statement, 2 years of business tax returns and other supporting documents.

Fine Law Offices can help you gather the required documents and prepare them for submission with your application.

What are the chances of being accepted for a loan modification?

Even if you think you have the best case for a modification, there is no guarantee that you will be offered one. At the Fine Law Offices, we make it our business to determine first of all whether or not you have a good case for a loan mod.

We know how to present your case in the best possible way, include all supporting documents, and are able to stay on top of the lenders to get your application processed. Sometimes, professional presentation and persistence goes a long way toward getting the loan mod application approved.

Submitting your documents in a disorganized manner or having documents that contradict each other can not only delay processing, but cause your application to be denied altogether even if you meet the requirements to qualify. At the Fine Law Offices, our experienced attorneys will make sure all of your ducks are in a row before submitting your application in order to greatly improve your chances of being approved.

How long does it take?

It can take as long as 6 months or more to go through the loan modification process. It can also be much shorter than that depending on the lender and also how well your documents are presented.

Do I need a lawyer?

You do not need a lawyer to apply for a loan modification in New York, New Jersey or Connecticut. However, if time is running out, having a lawyer can get that ball rolling much faster. Hiring a loan modification lawyer can also greatly improve your chances for success simply because they know how best to prepare and how to handle the lenders and potential delays in processing. When your home is at stake, this is when experience matters and the Fine Law Offices can help.

To schedule a free consultation for your loan modification at an office near you, call (800) 503-1125, fill out the form above or visit our contact page. It’s that easy! You have nothing to lose by speaking with one of our trained professionals. The consultation is free!

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Fine Law Offices

Leonard Boyer
970 Clifton Ave
Suite 201
Clifton NJ 07013
Long Island Office
535 Broadhollow Rd.
Suite A3
Melville, NY 11747

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